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Credit card comparison

Our credit card comparison table helps you choose the most appropriate Australian credit card for your needs. Compare credit cards by looking at features like interest free days, annual card fees, interest rates, and rewards or frequent flyer programs.

American Express bundling
Purchases standard variable rate
Cash advances (variable rate)
Balance transfers (special promotion for a limited time)
Annual card fee (fee may change)
Qantas Rewards Fee
Interest free days on purchases
Card can be linked to Westpac transaction account
Complimentary overseas travel insurance
Complimentary transit accident insurance cover
Complimentary purchase security insurance
Complimentary extended warranty insurance
Access to Priority Service Line
Free Qantas Frequent Flyer membership on new accounts for a limited time
Points earned per dollar spent on eligible purchases
Points earned per dollar spent on selected Qantas products and services
Points cap - for each statement cycle when using your cards. Bonus points do not count towards the points cap.
Things you should know

Consumer Credit Cards - Conditions of Use (PDF 303KB)

Westpac Altitude Rewards Terms and Conditions (PDF 125KB)

Westpac Credit Cards Complimentary Insurance Policy (PDF 764KB) (effective 1 October 2017)

Visit the product page for each credit card to check the terms and conditions, including any rewards terms and conditions (if relevant) that apply.

Credit criteria, fees and charges apply. Offers are not available in conjunction with any special offers that are not listed on www.westpac.com.au. Switches, upgrades or Westpac group staff are ineligible on Westpac issued cards. Offer may be withdrawn or extended at any time. Terms and conditions available on request.

^Bonus Rewards Points Promotion for Westpac Altitude Cards:  The respective bonus points promotion is available when you apply and are approved for a new Altitude Platinum or Altitude Black card between 3rd April 2019 and midnight 2nd June 2019 and spend the minimum amount of $3,000 on eligible purchases on an Altitude Black card or $3,000 on eligible purchases on an Altitude Platinum card within 90 days from card approval in one or more transactions.

Eligible purchases do not include fees, cash, cash equivalent transactions, payments to the Australian Tax Office, BPAY, BPAY equivalent transaction, refunds and balance transfers debited from the card account. The bonus Altitude Points or Qantas Points will be added to your points balance within 12 weeks once you meet the eligible spend criteria. Existing Westpac customers who currently hold an Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. Qantas Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis.

#Balance transfer promotion: This offer is available when you apply for a new Low Rate credit card between 3rd April 2019 and midnight 26th June 2019, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. A balance transfer fee of 0% applies to the transferred balance(s).  The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). Interest free days do not apply to credit cards with balance transfers.

*Low Fee first year annual card fee waiver: $0 annual card fee in the first year and $0 annual card fee in subsequent years promotion is available when you apply for a new Low Fee or Low Fee Platinum credit card between 3rd April 2019 and midnight 26th June 2019 and spend $5,000 or more on a Low Fee credit card or $10,000 or more on a Low Fee Platinum credit card on purchases in each 12 months from the anniversary date of the first transaction on your account.

+No annual card fee in the first year promotion: The first year annual card fee waiver is available when you apply for a new Altitude Platinum card between 3rd April 2019 and midnight 2nd June 2019, The first annual card fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter.

Rewards Points: The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards and Altitude Qantas Terms and Conditions. Purchases that are not eligible to earn Rewards Points are set out in the Altitude Rewards Terms and Conditions. For example: payments to the Australian Taxation Office, cash advances, BPAY and BPAY equivalent transactions do not earn Reward Points. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. 

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